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How much is insurance on a Toyota bZ4X?

A 2024 Toyota bZ4X runs about $1,790 a year for a typical 45-year-old, $160 less than an average car of the same age: less damage to others' property outweigh higher crash-repair losses and higher non-crash losses. Putting a new 16-year-old on a family policy with the bZ4X adds about $1,180 a year (#5 of 26 small SUVs we compare).

2024 Toyota bZ4X (bZ4X), national average

about $1,790 a year (about $150 a month)

Estimated range: $1,200–$2,600. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year.

A Toyota bZ4X from the 2023–2025 generation
A Toyota bZ4X from the 2023–2025 generation. Photo: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 bZ4X, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Toyota bZ4X's rank is the same in every state.

Why the Toyota bZ4X costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Toyota BZ4X electric 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 114 for crash repairs, 106 for non-crash damage, and 62 for damage to others' property.

  • Crash repairs (collision)fixing this car after a crashAverage14% worse than average23rd best of the 26 small SUVs we compare
  • Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage6% worse than average23rd best of the 26 small SUVs we compare
  • Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average38% better than averagebest of the 26 small SUVs we compare
  • Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model
HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Toyota bZ4X comes out about 12% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 4% more than average: about $990 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Toyota bZ4X, so we go by that one result: about 38% better than average. We count about half, so that part is about 20% less: $800 a year vs $990.

How the math works

The Toyota bZ4X is an electric small SUV that HLDI benchmarks among small SUVs; on electric models like the bZ4X, battery pack and sensor repair costs shape collision losses alongside low injury-claim frequency.

  • Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “Toyota BZ4X electric 4dr” (HLDI, 2022–24 models).

Across 2024 Toyota bZ4X trims, full coverage goes from about $1,790 a year on the bZ4X to about $1,850 on the bZ4X Limited AWD, because HLDI's loss results differ by body, drive, or powertrain.

  • bZ4X; bZ4X Limited: about $1,790
  • bZ4X AWD; bZ4X Limited AWD: about $1,850

On a policy of their own with a 2024 Toyota bZ4X, a 22–25-year-old pays about $2,320 a year ($540 more than a 45-year-old), a 26–39-year-old about $1,980, and a driver 65 and older about $1,880.

Adding a 16-year-old with a Toyota bZ4X

Because the Toyota bZ4X starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,180 a year ($100 a month), $100 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,120 a year, about $3,950 more than sharing the family policy.

For adding a teen driver, the Toyota bZ4X ranks 23rd cheapest out of all 121 models we track.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Toyota bZ4X is the 5th least expensive to insure. Right next to it are the Toyota RAV4 (about $1,760 a year) and the Mazda CX-5 (about $1,790).

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota bZ4X costs in your state

In six sample states, a 2024 Toyota bZ4X runs from about $1,150 a year in Maine through Wyoming, Virginia, Massachusetts and Colorado to about $2,140 in Texas:

All 50 states and DC · Updated .

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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